Are you behind on your monthly bills because your debt is too much to handle? No matter how much debt you owe, debt consolidation may be able to help by making it easier for you to stay on top of your financial obligations. Debt consolidation is the process of combining your various unsecured debts into one manageable monthly payment, making it easier for you to get out of debt.
At CreditGUARD of America, we’ve been helping people get out of debt since 1991. In fact we’ve helped consumers by paying out over $1.7 billion and counting to their creditors, saving them hard earned money by lowering their interest rates, and getting them a lower monthly payment that they can afford. Our nonprofit debt solutions help you get out of debt quicker and easier, and help you remain debt-free.
Consolidating your debts into a single payment saves you time and money while offering peace of mind by simplifying what you owe each month.
Our program provides you with:
• One low and affordable monthly payment
• Lowered interest rates (up to 50%)
• Set, scheduled payments, which in turn can lead to less time spent in debt
While they sound similar, debt consolidation programs and debt consolidation loans are two very different things.
It’s important to note that our debt consolidation programs do not include any loans or other services that may not be in the consumer’s best interest. We never advise you to take out more loans, and we never advise anything that could potentially damage your credit.
While consolidation loans may seem like an easy way out of debt, there are a few downsides. In fact, some consolidation loans can turn out to be bigger problems in disguise.
The ultimate risk you take when relying on a consolidation loan to clear your financial slate is the often inevitable rebound into more debts down the road. A debt consolidation loan does nothing to improve your financial spending habits; it’s merely another loan and another option to help you pay off your debt. Because of that, you run the risk of maxing out your credit cards again, thereby adding your new loan’s payments to the already heavy credit card payments that landed you in debt in the first place.
Whether you decide to use a debt consolidation loan or a more tailored debt consolidation program to help stabilize your finances, you should still consult with a reputable credit counseling agency first to ensure you’re taking the right steps to long-term financial health.
When you decide to enroll in our debt consolidation program, the certified credit counselor that’s been personally assigned to you will contact all your creditors and negotiate with them on your behalf. If possible, they’ll bring your accounts current, reduce or eliminate your interest and discontinue penalty fees. This can lower your monthly payments by up to 50%.
In addition to this, your certified counselor will also provide you with free financial counseling so that you can learn to save money and make long-term changes to your spending habits. During your over-the-phone counseling session, you will provide your counselor with information regarding the debts you owe, your household income and your monthly expenses so that they can offer you informed and supportive counseling. After getting an idea of your financial situation, the counselor will provide options that match your resources, lifestyle, and goals.
Here are just a few of the benefits you’ll receive from our nonprofit consolidation program:
The ultimate risk you take when relying on a consolidation loan to clear your financial slate is the often inevitable rebound into more debts down the road. A debt consolidation loan does nothing to improve your financial spending habits; it’s merely another loan and another option to help you pay off your debt. Because of that, you run the risk of maxing out your credit cards again, thereby adding your new loan’s payments to the already heavy credit card payments that landed you in debt in the first place.
Whether you decide to use a debt consolidation loan or a more tailored debt consolidation program to help stabilize your finances, you should still consult with a reputable credit counseling agency first to ensure you’re taking the right steps to long-term financial health.
In addition to having just a single bill every month, a nonprofit debt consolidation plan will also help you better manage your credit score because you’ll be making regular, timely payments. Not only that, but with the right plan, most customers are able to pay off their debt within three to five years, as opposed to the national average of around 30 years.
Consolidation is the process of taking all your credit card and personal loan debts and rolling them up into a single and more affordable monthly payment. This makes the management and payment of all your various unsecured debts far more convenient.
What do we mean by secured debt? Any debt that is attached to something like a home or a car. Unsecured debts are things like credit cards, loans and medical bills. Here are a few examples:
Unsecured Debt:
• Credit Cards
• Medical Bills
• Personal Loans
Secured debt:
• Mortgages
• Car Loans
Still wondering if our online credit counseling service is right for you? Just give us a complimentary call. Our certified credit counselors will take a look at your finances to see how they can help you save.
If you’re ready to start living a debt free life and would like to learn more about our debt consolidation program, contact us online by filling out the form above or by calling us at
800-500-6489 . As a non profit organization, we care about one thing…getting you out of debt and keeping you out of debt.
By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.
CreditGuard provides a Debt Management, Debt Counseling and Financial Education Services for consumers for over 30yrs, we have reduce a consumers overall debt up to 50%, while lowering or eliminating interest and late fees, along with re-aging of their accounts.
Reputable and established Debt Counseling Company operating since 1991, licensed in all 50 states. Currently located in Fort Lauderdale, Florida.
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